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Democratic presidential nominee Joe Biden has presented a broad—and expensive—set of housing policy prescriptions. Some commentators have called them a “comprehensive plan” for housing, while others say Biden is throwing big money at real problems without offering practical solutions.Either way, the Biden campaign’s housing plan is a wish list. If Biden wins, final passage of most of these proposals depends entirely on which party ends up controlling Congress.This article is based on known Biden proposals to:· Expand the housing choice voucher program· Require states receiving government money to plan for affordable housing units· Reinstate an Obama-era rule requiring communities to create a plan to mitigate discriminatory housing practicesForbes Advisor reached out to both the Trump and Biden campaigns, but neither responded for comment. To learn how the Trump administration might handle housing issues during a second term, see this story.Biden Housing Overview: Expand Affordable HousingBiden’s plans earmark billions of dollars to provide fair and affordable housing for middle-class families and the poorest Americans. All in all, Biden’s housing policy proposals would cost 0 billion over 10 years, although he has not detailed where any of this funding would come from.The Biden plan would put 0 billion into an “Affordable Housing Fund,” the bulk of which ( billion) would provide incentives to develop and rehabilitate low-cost housing where there’s a shortage.“These funds will be directed toward communities that are suffering from an affordability crisis and are willing to implement new zoning laws that encourage more affordable housing,” according to Biden’s plan.Biden’s Plans Would Boost Section 8 AvailabilityThe plan also calls to expand the Section 8 housing choice voucher program, the largest federal housing program for low-income renters. Biden would make Section 8 an entitlement, thus ensuring vouchers to all eligible people.Currently, only 1 in 5 eligible households receive assistance, with waiting times pushing two years in some places. Some 2 million households receive Section 8 vouchers, but that’s not enough to meet demand.“Expanding vouchers to all those eligible will need to be matched with a strong, national measure to include ‘source of income’ as a protected class under fair housing law,” says Miriam Axel-Lute, editor of Shelterforce, a nonprofit publication published by the National Housing Institute.In addition, Axel-Lute says, reducing exclusionary zoning policies, which ban construction of multi family homes, would expand the home selection for families with vouchers.Biden also would push for a law that would ban discrimination against tenants who use Section 8 vouchers or receive other federal housing benefits.Biden Would Restore Fair Housing RulesBiden has pledged to reinstate the Obama administration’s Affirmatively Furthering Fair Housing (AFFH) rule. The Trump administration only recently terminated the rule, which required towns and cities that received HUD funding to create plans to eliminate housing descrimination in their localities.Critics of AFFH have said there were too many hoops to jump through in order to get funding, while proponents have defended the initiative as being an integral step in promoting fair housing policies.Maintaining the Obama-era rule would help push forward housing equity, says Bruce Dorpalen, executive director of the National Housing Resource Center.“Biden’s proposal shows that there is institutional racism and biases we need to change. If we want to reestablish the Black middle class in this country, homeownership has to be part of that,” Dorpalen says. ”The Biden housing platform has that built-in.”President Trump has falsely stated that the AFFH rule would have “required high-density zoning, eliminated single-family zoning, and destroyed our suburbs.” The rule does not mandate any particular solution to discrimination or unfair practices; it just requires that each community identify the problems and come up with a workable solution.Solomon Greene, a senior fellow at the Urban Institute, a Washington D.C.-based think tank, says that AFFH holds municipalities accountable if they want to receive federal dollars, but doesn’t tell them how to do it.“The 2015 AFFH rule offers guidance, not a particular solution,” says Greene, who was part of the HUD team that wrote the rule in 2015. “Every plan I’ve reviewed has been incredibly diverse; there was a huge range of strategies depending on the area. This is very far from Trump’s assertion that the AFFH rule was requiring rezoning of suburbs or even to build affordable housing.”Fight Single-Family Zoning to Expand Housing and Curb DiscriminationThe U.S. faces a shortage of housing, running 19% below last year’s supply. Although new construction was up in July, the housing market needs more positive growth to reach balanced levels, says Lawrence Yun, chief economist at the National Association of Realtors (NAR).The housing shortage is the most pronounced in the West, according to data from NAR.Experts on both sides of the aisle have called for a ban on single-family zoning, which is said to drive up home prices and restrict new construction, contributing to the housing shortage.A story by Charles Marohn published in The New Conservative says about single-family zoning: “After all, there is no greater distortion of the market than local zoning codes, and there are few bureaucracies doing more harm to property rights and freedom than local zoning offices.”Biden addresses zoning issues several times in his housing plan when it concerns discrimination or where federal grant money is involved.The Biden plan would seek to “eliminate local and state housing regulations that perpetuate discrimination.” More specifically, a Biden administration would require states receiving community development or transportation block grants from the federal government dollars through Community Development Block Grants or Surface Transportation Block Grants to incorporate inclusionary zoning into their planning. Inclusionary zoning requires that a portion of new construction is set aside for affordable housing.Biden also would allocate billion for state housing authorities and the Indian Housing Block Grant program to build and restore housing in low-income areas. This money would go to communities “that are suffering from an affordability crisis and are willing to implement new zoning laws that encourage more affordable housing.”Ed Pinto, senior fellow at the American Enterprise Institute, a right-leaning think tank, doesn’t believe that Biden’s plan goes far enough to eradicate single-family zoning. According to Pinto, single-family zoning promotes “NIMBYism,” an acronym for “not in my backyard.”“We have supply constraints because of terrible zoning policies,” Pinto says. “Single-family zoning promotes NIMBYism, which drives house prices up tremendously in low-cost areas. None of the things in Biden’s proposal would make things better. You still end up with a housing shortage, nowhere to build and federally guaranteed loans that increase demand against limited supply.”Eliminate Biased Housing Practices and Expanding AffordabilityThe Biden housing plan sets a goal to stamp out racially biased practices like redlining, which denies people services or charges more for those services based on race, religion or ethnicity. Furthermore, the Biden plan wants to ensure that Americans spend no more than 30% of their income on housing, which would help people in all income brackets. These ideas would be achieved by enacting legislation similar to the “Housing, Opportunity, Mobility, and Equity (HOME) Act.”The HOME Act would give a refundable tax credit to people who spend more than 30% of their income on rent. It also would require inclusionary zoning—a requirement that developers set aside a percentage of units that would be rented or sold at reduced prices—which would help increase affordable housing construction while also knocking out housing discrimination based on race and income.The Biden plan also would target unfair property appraisals, which values Black-owned homes at tens of thousands of dollars less than comparable white-owned homes. A study by the Metropolitan Policy Program at the Brookings Institute found that homes of matching quality and amenities in predominantly Black neighborhoods were valued at 23% less than in those neighborhoods with fewer Black residents.“Anti-discrimination legislation, like ending redlining—which Biden proposes—in housing is crucial,” David Dworkin, CEO of the National Housing Conference, a nonprofit, nonpartisan coalition of national housing leaders from both the public and private sector, says. “What Biden is proposing would help millions of Americans. There’s a disturbing element of ‘I’ve got mine, too bad for you.’ Some people say, ‘I put 20% down on the house, why can’t you?’Bottom LineBiden’s housing plan aims to reduce or eliminate discriminatory practices in the housing industry through legislation and expanded funding, from reinstating Fair Housing Rules to broadening programs that would help low-income families.However, while Biden’s vision of fair and affordable housing is both admirable and needed, critics say that he’s doing little more than throwing money at big problems, such as the lack of affordable housing.“Biden has one solution to every problem: he’s going to spend more money on it. There’s very little thoughtful planning here; what there is is an open checkbook,” says Michael Tanner, senior fellow at the Cato Institute, a libertarian think tank.More from Forbes Advisor:How Would A Second Trump Term Impact Major Housing Issues?No, Joe Biden Will Not Kill Your 401(k)Who’s Better For Your Retirement Portfolio: President Trump or President Biden? 9881

DANANG, Vietnam (AP) — For the first time since the Vietnam War, a U.S. Navy aircraft carrier is paying a visit to a Vietnamese port, seeking to bolster both countries' efforts to stem expansionism by China in the South China Sea.Monday's visit by the USS Carl Vinson brings more than 5,000 crewmembers to the central coastal city of Danang, the largest such U.S. military presence in Vietnam since the Southeast Asian nation was unified under Communist leadership after the war ended in 1975.The Vinson strike group deployed from San Diego in January.The Carl Vinson, accompanied by a cruiser and a destroyer, is visiting as China increases its military buildup in the Paracel islands and seven artificial islands in the Spratlys in maritime territory also claimed by Vietnam. China claims most of the South China Sea and has challenged traditional U.S. naval supremacy in the western Pacific."The visit of aircraft carrier USS Carl Vinson to Vietnam signifies an increased level of trust between the two former enemies, a strengthened defense relationship between them, and reflects America's continued naval engagement with the region," said Le Hong Hiep, a research fellow at the Singapore-based ISEAS-Yusof Ishak Institute.The ship's mission includes technical exchanges, sports matches and visits to an orphanage and a center for victims of Agent Orange, a toxic defoliant sprayed by U.S. forces to deny cover for Communist fighters during the war. It marks a fine-tuning, rather than a turning point, in relations. The U.S. Navy has staged activities in Vietnam for its Pacific Partnership humanitarian and civic missions in nine of the past 12 years.U.S. Ambassador Daniel Kritenbrink praised the carrier's visit."I think the visit by USS Carl Vinson demonstrates our commitment to the U.S- Vietnam partnership. It also demonstrates the dramatic progress we made in our bilateral relationship in recent years," he said.The ambassador said the two countries share a range of interests that include "a desire to maintain peace, prosperity, unimpeded commerce, freedom of navigation upon which the region and its economies depend."The United States normalized relations with Vietnam in 1995 and lifted an arms embargo in 2016, and the two former adversaries have steadily improved relations in all areas, including trade, investment and security.The visit of an aircraft carrier — a more than 100,000-ton manifestation of U.S. global military projection — reaffirms closer relations as Beijing flexes it political, economic and military muscle in Southeast Asia, and Washington seeks to re-establish its influence."Although the visit is mainly symbolic and would not be able to change China's behavior, especially in the South China Sea, it is still necessary in conveying the message that the U.S. will be there to stay," Hiep said.Separately from this week's mission, U.S. officials say American warships continue sailing without prior notice close to China-occupied islands and atolls, an aggressive way of signaling to Beijing that the U.S. does not recognize its sovereignty over those areas.Hiep said the Carl Vinson's visit is likely to irritate China, but that Beijing will not take it too seriously."They understand well the strategic rationale behind the rapprochement between Vietnam and the U.S., which was largely driven by China's growing assertiveness in the South China Sea," he said. "However, China also knows that Vietnam is unlikely to side with the U.S. militarily to challenge China."Vietnam, while traditionally wary of its huge northern neighbor, shares China's system of single-party rule and intolerance for political dissent.Economic relations with the United States in recent years have served as a counterbalance to Vietnam's political affinity with China."The United States now is a very important trading partner with Vietnam and it is the most important destination of Vietnam's exports," said Joseph Cheng, a professor of political science at the City University of Hong Kong. "In terms of security, both countries certainly share substantial common interest in the containment of China in view of the territorial dispute between China and Vietnam.""However, it seems that Vietnam does not intend to become an ally of the United States. It is basically a kind of hedging strategy, a kind of balance of power strategy," he said.The first U.S. Marines arrived in Danang in 1965, marking the beginning of large-scale American involvement in the Vietnam War. Some 58,000 American soldiers and an estimated 3 million Vietnamese were killed in the war.Danang, which was a major U.S. military base during the war, is now Vietnam's third-largest city and is in the midst of a construction boom as dozens of resorts and hotels pop up along its scenic coastline.Several Danang residents said Monday that they welcomed the Navy visit."During the war, I was scared when I saw American soldiers," said Tran Thi Luyen, 55, who runs a small coffee shop in the city. "Now the aircraft carrier comes with a completely different mission, a mission of peace and promoting economic and military cooperation between the two countries."Huynh Quang Nguyen, a taxi driver, echoed the sentiment."I'm very happy and excited with the carrier's visit," he said. "Increased cooperation between the two countries in economic, diplomatic and military areas would serve as a counterbalance to Beijing's expansionism." 5431

DETROIT — A 12-year-old girl takes a challenge and a dare that could have cost her life.It’s called the "fire challenge." Young people pour flammable liquids on their bodies and set themselves on fire.Brandi Owens says her 12-year-old daughter Timiyah Landers did the challenge with her friends last Friday.She ended up engulfed in flames. Brandi and her fiance extinguished the blaze from her baby girl and rushed her to the hospital.Timiyah is now at Children’s Hospital with second and third-degree burns over 49 percent of her body. Her mom says kids find these dangerously “outrageous” challenges on social media and Youtube. She is angry and has a message for those behind the sites that post these videos.“They need to delete this mess," Owens said fighting back tears. "It should be censored. That’s nothing that a kid should come across. I could have lost my baby, by the grace of God she’s alive. If I wasn’t home, I would have walked in to my baby dead."Owens says Timiyah knew better. So, she is urging parents to monitor their kids, their friends and their internet and social media platforms.Timiyah will likely be in the hospital for several months and will undergo several more surgeries. 1272

DETROIT (AP) — Ford is recalling more than 375,000 Explorer SUVs in the U.S. and Canada to fix a suspension problem that has caused 13 crashes. The recall covers SUVs from the 2013 through 2017 model years built at Ford's Chicago Assembly Plant from Sept. 4, 2012, to Jan. 25, 2017. They were sold or registered in 22 states and six Canadian provinces where salt is used to clear roads during the winter. The automaker says the rear toe links can fracture, reducing steering control. A toe link puts weight on the tires so they stay on the ground. Ford says six people were hurt in the crashes. Dealers will inspect the suspension and replace parts if necessary. Customers will be notified starting the week of Nov. 30. 727

DETROIT — The Detroit Free Press/Chemical Bank Marathon is the only International Marathon in the United States.Crossing the U.S.-Canadian border is the highlight for many runners, but this year two marathoners crossed another major threshold during the 26.2-mile run.Whitney Black and Steven Phillips started the Detroit Free Press/Chemical Bank marathon engaged, and sealed the deal halfway to the finish line.What’s even more mind blowing than a mid-marathon wedding is that no one thought Black would ever be able to walk down the aisle, let alone run. She was seriously injured in an accident more than 10 years ago and then hit by a car while running 18 months ago."Twenty-one surgeries in total, (Black) was told she may never walk again," says McCann Black, Whitney's brother. "I’m just so proud of her, watching her set these goals and then blow through them has helped our family a great deal."Today, 13.1 miles into her very first full marathon, Black married her “sole mate,” Phillips. Phillips, by the way, has had quite a journey of his own, losing around 100 pounds.Friends and family waited near the 13.1 mile marker with balloons, a veil, rings and an officiant until Black and Phillips ran up to the makeshift altar."I promise to trust you even when we deviate from our grocery list," Black vowed."I will choose you every day, not because I have to, but because I want to," Phillips said.Their vows were short and sweet. The ceremony lasted about five or six minutes. The couple said getting married in the midst of their first marathon was a perfect setting for their relationship."We challenge each other to do better in every way," Black said, then she toasted her new husband with a shot of Gatorade and the two rejoined the race.  Crossing the finish line as husband and wife and committing to stay by each other's side for the long run."To see my baby sister getting married, it’s a lot to take in, but I’m just so happy for her," Black's brother said. 2044

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